Date Received: 2022-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: im writing this complaint to to address PORTFOLIO RECOVERY to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. PORTFOLIO RECOVERY is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.PORTFOLIO RECOVERY has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My XXXX XXXX XXXX that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX Portfolio Recovery placed a collection debit on my credit report with XXXX and XXXX for the amount of {$1000.00}. I disputed the item the same day ( XXXX XXXX ) and requested ( in writing ) Debit Validation Letter via certified mail. I also called Portfolio Recovery and they could not verify me in there system. I sent an email attachment of the XXXX XXXX XXXX to the dispute department for Portfolio Recovery. All my efforts in requesting the Debit Validation has been to no avail. As of today Portfolio Recovery has not responded in verifying this debit.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I had informed a debt collector to cease and desist calling my number. The gentleman told me he would add my number to the do not call list. 4 days later I receive another phone call from them. They have called me XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I do not have any debt.
Company Response:
State: TX
Zip: 79762
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: DEAR PORTFOLIO RECOVERY ASSOCIATES OR XXXX XXXXXXXX ACCOUNTS ; YOU FAILED TO RESPOND AND YOU ARE REPORTING XXXX FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER HAD ANY PRIOR RELATIONSHIP WITH YOUR COMPANY OR ANY OF YOUR AFFILIATES. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am responding back from a previous complaint that I did not get a chance to follow up with regarding portfolio recovery. I had 60 days to give feedback and respond and yesterday was the 60th day. Due to a few deaths in the family I was not able to keep up and respond appropriately so I am asking that this investigation be re opened and I am looking to seek damages due to abusive and unfair debt collection practices from portfolio Recovery. Attached I have the letter I sent to Portfolio recovery along with proof of phone records that they called me more than once about my husband and told me he owed a debt which is prohibited under the fdcpa and a host of other laws that they broke while calling me regarding my husband 's debt. for starters Portfolio you never addressed the fact you were in violation of 15 usc 1692B 1 which states when calling you are required to state you are confirming or correcting location information. Both times you called my phone on XX/XX/XXXX and XX/XX/XXXX and not once did you state that to me. If you feel you did please send an affidavit OF TRUTH NOTARIZED by your execuitve of Portfolio stating you did so on both calls. I demanded payment for these violations. Second, once again Portfolio has violated 15 usc 1692b ( 2 ) by calling me and stating that my husband owed a debt with XXXX XXXXXXXX. Portfolio you are not allowed under law pursuant to 15 usc 1692b under this subchapter to discuss a debt with anyone other than the person who owes the debt. You are in violation of this law on XX/XX/2021 and XX/XX/2021 and I demand you to pay me and my husband for these violations. unless you are able to make an affidavit of truth that is notarized by an executive of Portfolio stating that you did not discuss this with me and giving the law that gives you the right to discuss debts and say a consumer owes a debt with a spouse. I demand payment for these violations. third, 15 usc 1692b ( 3 ) states that a debt collector can not contact any such person more than once unless you were given permission to do so. Portfolio called me on XX/XX/2021 and then XX/XX/2021, you did not have my permission to contact me and I told you on XX/XX/XXXX to stop calling me. You are in violation of this law and I demand you to pay for the damages. unless you can provide an affidavit of truth notarized by an executive of Portfolio stating that I did give you permission to call and that I did not say to not call me anymore. fourth, this subchapter of the FDCPA ; " 15 usc 1692C '' says that a consumer includes a spouse. So when I was being contacted I became my husband since I am his spouse. also 15 usc 1692c ( a ) ( 1 ) says that a debt collector can not contact a consumer without their prior consent and at an unusual time. When Portfolio contacted me on XX/XX/2021 they never had my prior permission to contact me and during that call I told them to stop calling me. So when Portfolio called me on XX/XX/XXXX they called me after the fact I told them to stop calling me and by doing so they called me an unusual time, because at this point, no matter if they did call after XXXX XXXX or XXXX XXXX my time, the time still would have would've been an unusual time for me and : portfolio could not assume due to the fact I informed them to stop calling me a few months ago prior. Which makes Portfolio recovery guilty of committing these abusive debt collection tactics towards me ad XXXX demand to be paid for these violations. attach I will submit the response from portfolio and all of the previous attachments I sent back in XXXX. I am demanding remedy in the form of payment.
Company Response:
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I worked with XXXX and has 2 accounts with XXXX XXXX removed from my credit report. I now have 2 new credit cards with XXXX XXXX in good standing. All of a sudden Portfolio Recovery started collecting on a XXXX balance which I never owed to XXXX XXXX. I never received a notice to dispute. It was just on my credit report and then I started to get a ton of calls. They said well we bought it and you owe it. That was that. Is this even legal?
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for inaccurate and misleading information. I have filed a complaint with XXXX on an item on my credit report that has inaccurate information. They have replied in XXXX different occasions that they have verified that it belongs to me without explaining their investigation. Account XXXX listed with {$1200.00} debt is not recognizable. They simply respond that the account is valid and they show me no proof of their investigation.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A